First Federal Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 20.58 percentage points lower than in Q1 2026, at 66.44%. First Federal Savings Bank ranks 74th of 87 Indiana banks on return on assets, in the lower half at 0.45% (Q2 2026). First Federal Savings Bank's return on assets of 0.45% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.80 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.54% |
| Equity capital to assets | 9.37% |
| Tangible equity to tangible assets | 8.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.74% |
| Non-performing assets ratio | 1.32% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 14.42% |
| Allowance for credit losses to loans | 1.15% |
| Reserve coverage of non-performing loans | 66.44% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.45% |
| Return on equity | 4.92% |
| Net interest margin | 3.26% |
| Efficiency ratio | 84.94% |
| Yield on earning assets | 5.50% |
| Cost of funds | 2.21% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.81% |
| Core deposits to total deposits | 80.99% |
| Brokered deposits to total deposits | 11.13% |
| Deposits to assets | 82.14% |
| Securities to assets | 15.29% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 8.15% | 0.59% |
| Q4 2023 | 11.55% | 11.55% | 12.79% | 8.11% | 0.32% |
| Q1 2024 | 11.41% | 11.41% | 12.64% | 8.23% | 0.30% |
| Q2 2024 | 11.42% | 11.42% | 12.63% | 8.22% | 0.22% |
| Q3 2024 | 11.76% | 11.76% | 12.98% | 8.36% | 0.41% |
| Q4 2024 | 12.10% | 12.10% | 13.35% | 8.41% | 0.35% |
| Q1 2025 | 12.29% | 12.29% | 13.52% | 8.80% | 0.18% |
| Q2 2025 | 12.65% | 12.65% | 13.88% | 8.95% | 0.27% |
| Q3 2025 | 12.79% | 12.79% | 14.01% | 8.92% | 0.43% |
| Q4 2025 | 13.01% | 13.01% | 14.26% | 8.96% | 0.57% |
| Q1 2026 | — | — | — | 9.38% | 0.29% |
| Q2 2026 | — | — | — | 9.54% | 0.45% |
First Federal Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Federal Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29056) · FFIEC NIC profile (RSSD 613679)